Personal financialstatement

Upload your bank statement — we automatically extract your income, expenses, and net cash flow to build your personal financial statement.

Auto-extracted incomeExpense breakdownExport to Excel
Drop your bank statement hereTap to upload your statement
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Definition

What is a personal financial statement?

A personal financial statement is a document that summarizes everything you own, everything you owe, and how money flows in and out of your life each month. Lenders, investors, and even you need this picture to make sound financial decisions.

When you need one

  • SBA loan applications (Form 413)
  • Mortgage and refinance applications
  • Business credit with personal guarantee
  • Investment partnerships
  • Personal budgeting and net worth tracking

Key components

AssetsSavings, investments, real estate, vehicles
LiabilitiesLoans, mortgages, credit card balances
Monthly incomeSalary, freelance, rental, other sources
Monthly expensesHousing, food, transport, subscriptions

Form guide

What goes in a personal financial statement

Assets
Cash & bank accountsChecking, savings, money market
Investments & retirement401k, IRA, brokerage accounts
Real estatePrimary home, rental property value
VehiclesCars, boats, RVs at market value
Liabilities
Mortgage / rentOutstanding mortgage balance
Credit card debtTotal balances across all cards
Auto loansRemaining loan balance
Student loansFederal and private loan totals

Monthly cash flow

Monthly income

  • Salary / wages
  • Freelance / side income
  • Rental income
  • Dividends & interest

Monthly expenses

  • Housing (rent/mortgage payment)
  • Food & groceries
  • Transport & auto
  • Subscriptions & utilities

A better way

Skip the manual form — let AI do it

The income and expense sections of your personal financial statement can be auto-filled directly from your bank statement. No calculator needed.

Traditional way

  • Manually gather 3–12 months of statements
  • Add up every income source by hand
  • Categorize hundreds of transactions yourself
  • Calculate totals and net cash flow
  • Re-check everything before submitting

Takes several hours

Our way

  • Upload your bank statement PDF
  • AI reads and extracts every transaction
  • All expenses auto-categorized by type
  • Income and net cash flow calculated instantly
  • Export ready to paste into your form

Done in 30 seconds

Drop your bank statement hereTap to upload your statement
or click to browse — PDF, JPG or PNG · multiple files
Free·No signup·Deleted after analysis
... statements analyzed
See a live example →

Use cases

Who needs a personal financial statement?

SBA loan applicants

Required for all SBA 7(a) and 504 loans. Use our tool to extract your income and expense data instantly, then fill in SBA Form 413.

Mortgage applicants

Lenders verify income and liabilities. Auto-generate your income and expense summary from your bank statement in seconds.

Business owners

Investors and banks require personal guarantees with a financial statement. Extract your personal income and net cash flow automatically.

Personal budgeting

Annual net worth and cash flow review. Upload 12 months of statements and get a full year picture of your financial health.

Pricing

Simple, transparent pricing

Free
Free
Try it out
  • 3 PDF pages / month
  • AI transaction categorization
  • Sankey money-flow chart
  • AI insights & savings tips
  • Financial health score
  • Spending calendar
  • CSV export
Start Free
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Basic
$9/mo
For monthly tracking
  • 500 PDF pages / month
  • Everything in Free, plus:
  • Multi-month trends dashboard
  • Subscription detector
  • AI savings opportunities
  • 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
  • Chat AI financial advisor
  • Receipts & invoices extractor
  • Table-to-Excel extractor
  • File format converter
  • 12 months history
Start Basic
Pro
$19/mo
For power users
  • Unlimited PDF pages
  • Everything in Basic, plus:
  • Redact sensitive info from statements
  • Translate statements (30+ languages)
  • Fake statement detector
  • Fraud & authenticity scoring
  • Priority processing
  • Priority support
Start Pro

FAQ

Personal financial statement FAQ

What is a personal financial statement?+−
A personal financial statement is a document that summarizes your financial position: your assets (what you own), liabilities (what you owe), monthly income, and monthly expenses. It gives lenders, investors, or yourself a clear snapshot of your financial health.
When do I need a personal financial statement?+−
You'll need one for SBA loan applications (the SBA Form 413 is a standard personal financial statement), mortgage pre-approval, business loans requiring personal guarantees, investment partnerships, and some rental applications.
What is the SBA personal financial statement?+−
The SBA Form 413 is the official personal financial statement required for SBA loans. It asks for all assets, liabilities, income sources, and monthly expenses. Our analyzer auto-extracts your income and expense data from your bank statement to help you fill it in accurately.
How do I make a personal financial statement?+−
List all your assets (bank balances, investments, property value, vehicles), then all liabilities (mortgage, loans, credit card balances). Calculate net worth = assets minus liabilities. Then document monthly income and expenses. Upload your bank statement to auto-extract the income and expense sections.
What's the difference between a personal and business financial statement?+−
A personal financial statement covers your individual finances — personal income, personal assets, and personal debts. A business financial statement covers company finances (P&L, balance sheet, cash flow). For SBA loans, you typically need both.
Can I create a personal financial statement from my bank statement?+−
Yes — your bank statement contains all the transaction data needed to calculate your monthly income and expenses. Upload it to our analyzer and we'll extract and categorize everything automatically, ready to transfer to your personal financial statement form.
Is a personal financial statement the same as a net worth statement?+−
They're closely related. A net worth statement focuses on assets minus liabilities (your net worth). A personal financial statement includes net worth plus your monthly cash flow (income vs. expenses). Both are often required together for loan applications.